For CDH partners
Grow the book. Lift the card. Hold the member.
Consumer-directed accounts leak at every stage of the life cycle, enrollment, funding, first swipe, second year. We help CDH administrators move all of those numbers on one platform.
The numbers we move
Four dials. One platform.
The metrics CDH administrators are actually measured on, from new-member acquisition through card utilization and multi-year retention.
Grow the book
New members
Employer- and channel-ready acquisition flows with reward-driven activation, so signed accounts actually enroll and fund.
Lift card utilization
Swipes / month
Move dormant balances into everyday spend with targeted merchant offers, category rewards, and reminders tied to eligible purchases.
Grow contributions
Funded balance
Match, streak, and milestone rewards on contributions, plus roll-forward nudges that keep money in the account instead of the payroll bank.
Hold engagement
Active accounts
Preference-aware nudges and quick wins so every log-in has a reason, and every action moves a measurable behavior.
The leaky funnel
The math CDH admins already know.
Most accounts never engage. A tiny fraction carry the program. Incentives are the shortest path to changing both numbers.
~19%
of new accounts never fund in the first six months.
~47%
stay passive through years one to three.
8%
of accounts hold half the spending power.
The playbook
Three plays that move all four numbers.
A stack that grows the book, lifts card utilization, and pays for itself on interchange and retention.
Onboarding that pays off day one
Near-term rewards for the actions that predict long-term value, enrolled, funded, and spending inside the first two weeks.
Top-of-wallet card use
Category rewards, merchant offers, and eligible-expense nudges that turn a debit card from occasional-use to top-of-wallet.
Rewards as a P&L
Model, cap, and self-fund incentives against interchange, retention, and lifetime value. Every dollar of reward maps to a dollar of return.